₦airaland Forum

hustla:
So, after all the gbas gbos, how did you go about getting properties in seemingly expensive areas? Hurdles of BTL, tenants, etc

Let us learn

My advice is to get yourself in the system and build up a credit profile asap as soon as you arrive in the country. It is ok to do cash in hand but having a job which is subject to tax and NI is important as well. Once you get a job, get a credit card to use and pay off regularly in (don't miss any payments) to build up your credit score so when it comes to applying for a mortgage you will be in good stead. A contract phone is also another way...just make sure you pay on time each month. Good idea to set up standing orders or direct debits so you don't miss anything. In this fast UK lifestyle it is very easy to forget to pay something so it is best to automate key payments.

If you are under 30 and intend to buy then do so asap as you are more likely to get a 35 year mortgage. Don't be put of by the number of yeats because anyhouse bought today is certainly going to increase in value. The UK is an Island and only around 10% of the land is built on and so there is always going to be high demand for properties.

Look into schemes that the UK Govt has to help first time buyers like LISA where you get £1k free each year for every £4 saved to help you build up a deposit. You and your partner can both open LISA accounts and get up to £1k free each every year which can be combined to make your deposit

Many may not be too comfortable about the advice below but here is what I did..

In terms of property, alwasy punch above your weight in that It doesn't matter if the mortgage payments are more than you can afford. even thoug the bank will assess your affordability based on your income, just try and go for as much as you can. The goal is to secure a property (always go for freehold) . Once you get one, you can always rent out a room or two and that will help with mortgage payments.

Buy properties in high rent locations like near key stations, universities, amenities ect.

London areas now which to me are still affordable and good for rentals yields are Belvedere, Erith and Abbeywood, Romford.

If London is completely out of the question then look at university cities/towns like coventry, birmingham, huddersfield, Manchester, colchester ect for solid cheap houses which can be changed into HMOs to house students. Students pay on average around £450-£500 a room and most pay in full for a year.

Oh yeah and once a house increases in equity, remortage if you can take out the money and use it as a deposit on another house..that's if your intent is to build a property portfolio.

Another tip, always overpay your monthly mortgage if you can as it reduces the interest.

Amarathripple0:
Lol are you saying that Gemma and Zahra are one and the same

We are not 1 o!!

Anyway apologise for disrupting the thread. I am here to help as my previous posts have proved. No more argument from my side as I don talk my own finish.

phyl123:
I am talking about people earning over £150K

Still nowhere near 60%

koonbey:
Taking you back to this, @Gemma. What changed? It is true that some people are absuing the system but they remain a very small minority. Or has it been your perception that most people here are doing any sort of ojoro?

The vast majority of Nigerians migrating (whether on student route or not) are doing so legitimately. Even if things like POF loans etc are on the rise, it doesn't really matter because those people don't access public funds in the UK and still work and pay taxes just as anyone else would.

And as to people in their 40s going to study. Yes it may be said that they are not really focused on studying and are rather intent on migrating with their families but again - so what? They have skills and are coming to study (this is mandatory because otherwise they won't be able to do any other thing) and then work afterward, The two partners will work and pay taxes just like anyone else and they will very likely even do more work to raise money to settle into the country, buy house etc. So how exactly is it a problem to anyone really? Nigerians didn't start economic migration - it has been a thing for literally millennia. Even the Braverman was born by migrants, as were Sunak, Badenoch and so many others.

Of course I have said before that the rise in numbers may be cause for concern, but that's a very different conversation from painting migrants with a tar brush merely on the basis of their countries of origin or their visa route.

The vast majority of migrants are hard working and diligent and they almost always accomplish highly from their studies to work - that I statistics, not opinion. I don't get what you appear so antsy about tbh.

Two things can be true at the same time - migration via student route and otherwise is beneficial for the UK economy, and it is also being abused. The simple solution is to close the loopholes and not to demonise the migrants.

I never denied that Nigerians were hard working or that the ones fleecing the system were the majority.

I only replied to a comment about Suella Bravaman and he stance against those Nigerians who were taking the UK system for a ride by emigrating under the pretense of study but bringing their whole families. As I said there are genuine students and those on worker visas who do not deserve to have their opportunities compromised because of others.

Others in this thread took it to mean that I was talking about every Nigerian which was simply not true and I just defended my comments. Those who are coming at me from all corners trying to insult are probably triggered because they are in the category of those fleecing the system...I mean if the shoe doesn't fit then why try to defend such bad behaviour from people just because you come from the same country?

I am born and raised in the UK from Nigerian immigrants. I know full well the bad behaviour some newly arrived Nigerians impact on us of direct Nigerian descent who have lived and breathed the UK all our lives. So I feel I am well placed to call out this bad behaviour in the community because it will only serve to make others look down on those who arrive in the country for genuine reasons.

koonbey:
You're being needlessly aggressive. Accusing everyone who holds a different opinion from you of being 'one of them' is childishly absurd. This is like the third person whom you're accusing of that and it's actually funny because if you knew them, you'd realise how ridiculous it is.

So if I return insult I am being aggressive? I don't think so.

babajeje123:
Madam, hope there are transformers around you that you can hug if none you can use a nearby sea cos you are just unnecessarily bitter and jealous about the progress of others.

I am bitter because I am speaking out against people who have fleecing the system. You must be one of them. Please sit down.

iboboyswag:
These are my last words to you on this matter.

I don't care wherever you go to pull your stats from, it is not entirely a representation of the facts on ground in Nigeria.

Nigeria is not an eldorado, we have some of the most fantastically corrupt persons in government and fantastically corrupt government institutions but I know for certain that access to basic healthcare is a service that is available to most, whether it is privately driven or government supported, and this service is better and cheaper in Nigeria than in the UK.

For migrant students. You can't stop the flood gates. Nigerians in droves will continue to come as it remains legally able to do so, and I reckon the UK government will continue to allow it for 2 reasons.

1. The money is sweet and hard to pass up.
2. They get access to cheap labour for rolling terms.

Try being Liz Truss for a day and you would see why stopping migrants (lots of £££ paying like the Nigerian Student) is such a hard call to make.

Finally. You may have to go pray really hard about a pending heartbreak. Because this black nyash boy from Nigeria will get surely get the P and there is nothing you can do about it.

Denial is a river in Egypt. Please whenever you need medical treatment just bypass the NHS and go and wait in that your Nigeria where many people are dying everyday because they have fake or substandard medication available.
https://punchng.com/how-fake-drugs-threaten-nigerias-multi-billion-pharma-industry/

Liz Truss messed up the budget. It had nothing to do with immigrants. Also if Boris is installed he will more than likely bring back Bravaman who will then implement her rutheless policy to limit the number of Student dependencies in the UK.

Have a good day.

justwise:
You lied.

Done with you on this.

Stop projecting. I have not said anything about immigrants in general. This is all started when someone brought up the ex-chancellor mentioning Nigerian students and their dependents and I just responded with my thoughts which you didn't like as they don't align with your own.

The other response was when someone asked about whether it was worth leaving Nigeria when he already had a £47k salary. I explained that it wasn't worth it as £47k did not go far in the UK.

deept:
Without Nigerian immigrants, your NHS is worse off with the numbers of Nigerian doctors and nurses and care workers.

Without Nigerian immigrants, some of your university professors will be jobless...

Etc etc etc

Another delusional bint who thinks Nigerians are the ones keeping the UK afloat. No UK university has gone bankrupt before so what makes you think it is Nigerians that are maintaining them and keeping the professors employed. Most coming in can only afford to pay for a masters for one year and most of these universities have UK students on 3-4 year undergraduate programs.

Genuine qualified Nigerian Doctors & Nurses are doing a great job on the NHS but they are not the majority and I have also not said anything against them..this is about fake students.

As for Careworkers, a Nigerian was jailed for 10 years the other day for killing a patient which is is my other point. People abusing certain visas which have lax protocols when they clearly do not know how to do the job.
https://theeagleonline.com.ng/nigerian-student-allegedly-jailed-10-years-for-manslaughter-in-uk/#:~:text=Nigerian%20student%20allegedly%20jailed%2010%20years%20for%20manslaughter%20in%20UK,-

This man lied about his age to get visa and ended up killing a mother of 3 in a botched operation.
https://guardian.ng/news/uk-court-jails-85-year-old-nigerian-doctor-after-admitting-to-killing-patient/

justwise:
Just imagine a daughter of an immigrant telling other legal immigrants to go back to where they come from? Just think about that for a moment.

Stop gaslighting here in order to defend your lies as I have no said that.

To reiterrate I have only spoke out against fake Nigerian students who are abusing the system so stop. As I said, it appears you are one of them this is why you are so adamant in trying to shut me down.

iboboyswag:
Again I would say this with all sense of pride, access to basic healthcare in Nigeria is a million times better than in the UK, and the NHS right now, is shit.

Your pulling the old stunt of maternal mortality and the assertion that Lagos Island Maternity Hospital is the best in Nigeria says a lot about what you really know about Nigeria. Even this senile and incorrect talk of people not treated in hospitals shows how much of an ignoramus you are.

The NHS needs some serious reform and no amount of blindsiding or emotional tantrums you throw about would change that fact and my awareness of the fact. For a first world country, this is an anomaly.

As to my getting the P, it's not in your bigoted hands. Those that matter would ensure it gets done. Until then, we pin!

Shoo now... go back to your hand me down properties and try to make something good out of them.

Young Nigerian mothers are dying recklessly anyhow from childbirth, young Nigerians are being left untreated and left to die because of lack of health care in Nigerian and you are proud...You say that with foolish pride. Foolish pride that allows you to compare the Nigerian healthcare to that of the UK's NHS service.

Yes the NHS needs reform because it vital system which should be always be in the transient state of progress and not static like the health system in Nigeria. No one is denying that. However for a newcomer like you to come into the UK to start criticising what you don't have in your homeland reeks nothing but the height of hypocrisy and obnoxiousness.

Look at this chart below and read with your foolish pride. Nigerian women are dying recklessly from preventable ailments during childbirth and you say you are proud. That is nothing but sheer evil on your part and you are part of the problem in Nigeria. Continue burying your head in the sand whilest criticising the NHS.

People like you deserve to stay in Nigeria because una na dey get mouth pass...That P must never reach your hand.

Yes hand me down properties that are generating nearly £20k a month...Jealousy no good o..lol

https://www.premiumtimesng.com/news/headlines/429266-despite-having-highest-maternal-mortality-in-africa-nigerias-situation-still-underreported-report.html

justwise:
Old aged Nigerian student are spending thousands of ££££ to bring their family through student visa, its their own way of improving their lives.

Why did those old aged British citizens enjoy their pension in the UK? Why travel to Spain to put pressure on their hospitals and end-of-life facilities? At lease these Nigerians and their families can still work and contribute to the system while old aged British citizens in Spain are only there to be cared for.

Old age British citizens are not using the Spanish healthcare system as they are not sick. Most times they own properties and and businesses over there which generate taxes.
Unlike fake Nigerian citizens they are not going there with a truckload of dependents taking up places in schools and other amenities meant for Spanish born children of citizens who have paid taxes.
Stop comparing apples with oranges.

justwise:
At any point in your life that you decided to make life-changing decision to improve your life and that of your family do it.

Old aged British citizens move to Spain to enjoy good weather and facilities there and still claim winter allowance in the UK. So stop moaning about age of immigrants and their families

Old age British citizens move to Spain to enjoy their hard earned pensions in the sun. They don't go on student visa with no intention of studying so this your useless defence no dey make sense. Please sit this one out.

justwise:
[/b]

This is coming from the same person telling immigrants not to travel to the UK? So what right do you have to tell me where to travel to?

So you think you have the right to tell me a stranger about what to post on a public website because I expressed an opinion..you are delusional.

iboboyswag:
To clear your confusion, I am here for the p and the opportunities it affords me and majorly for those that come after me. It's an unfair world as you must know by now, I am only trying to play it smart in a game that is rigged right from the start.

Secondly, I don't feel ungrateful nor entitled as I have not requested for more than I had paid for to be here.

As to healthcare, own it, the NHS is shit. Luckily I don't need them for now. But it worries me how people suffer for their inefficiencies and how it affects even bonafide citizens. Just so you know, for all that is wrong with Nigeria, access to healthcare when you need it is way better than the UK. There are no unnecessary wait times.

Some may argue that you have to pay out of pocket and that specialist care are not enough in Nigeria but then you would also consider just how many people require basic care in the UK but are on an unending wait-list.

And so what if it's just for a cough? Do you advice self medication?

Coming to the UK has been a good investment and still is a profitable going concern but I am not blinded from what's happening around the world and how the dynamics are changing.

In the end, to each his own.

The NHS is shit..what about the healthcare back in your own country,,una get? How many people have been refused treatment because of cost or police report in Nigeria after an accident and died unnecessarily at the hospital doors? I know several people.

What is the maternal mortality rate in Nigeria? Nigeria is in the top 5 in the world of maternity deaths. Young health women are dying anyhow from giving birth in Lagos Island Maternity Hospital and that is supposed to be the best in the country and you have the guts to talk shit about the NHS.

Buying cough mixture which is sold over the counter is not self medicating. The UK health authority has strict prescription controls on drugs about what can be bought readily without medical advice. If you do need advice on what to take then Pharmacists are readily available. Just go into your Local Boots or other Chemists.

Those who understand how to use the NHS understand that it is not every ailment that requires you to be seen by a Doc which is what some of you delusional Nigerians are doing when struck down by the common cold or cough because una don enter land of free healthcare.

How on earth would the NHS provide free at the point of service for over 67million people to give priority treatment to small children, pregnant women, the elderly, those who are genuinely sick or those who have encountered unexpected emergencies such as accidents or being assaulted if people like you who insist on clogging up the veins of the system because you you get small cattarh or cough?

The NHS has websites, apps which offer advisory information on how to keep healthy, treat common ailments and also when to advise people to attend Accident & Emergency centres for emergencies. It is your big grown ass who doesn't understand but wants to clog up the system with nonsense and then cry foul because they are too busy to see you

I hope your ungrateful entitled ass never gets that UK passport.

justwise:
[/b]

Yeah credit to your parents that came over and stayed back to have you, i'm sure they faced insults and..go-back-to-your-country those days just as you are doing here, but they Persevered and here you are...

The word is 'Persevered' not 'Perceived'

Again my parents did not come in a dubious students...Are you one of the fake students coming in from Nigeria.? Just trying to understand your motivation here because if the shoe fits then wear it well I suppose..

justwise:
He is coming here on work visa just like your parents did, so what is your prob? I thought your is with student visa holders and their families?

He asked a question and I responded..wetin be your own? If he is able to attain a salary of £47k in Nigeria then why leave that for the same in the UK where the cost of living is 100 times higher and such a salary will not stretch far?

My parents arrived in the UK when Naira was n50 to £1 and the cost of living was not as it is now.

Talk your own and allow me to talk my own. You no be my oga and don't have the right to dictate my comments.

justwise:
They are genuine students, they applied for student visa and are allowed to come with their families and they are attending lectures.

Age got nothing to do with this, if you have any prob with this then channel it to the school that gave them admission and the British embassy that issued them visas

Sorry I fail to believe that all of them, especially nearly 50 year old men with full families of dependents, are genuine students. Most of them won't even pass sef but we go see now.

It is not so much my personal problem but I have a right to speak out and support any policy from the British government to stem this type of nonsense so the gates are not completely closed to those young genuine students who are coming to further their studies.

jedisco:
Lamba.... Mrs philanthropist.

You remind me of one chap on NL back then who grew up and lived in Peckham and always turned up to insult folks in Nigeria (especially health workers) on NL. Well, those he insulted have come over to meet him while he is no where to be found.

There are properties worth millions in Peckham so don't laugh at that person. To rent a single room in Peckham is like £800 a month and you would have to share the kitchen and bathroom. Renting a whole house is in like £2800 per month so don't laugh as Peckham no be your mate..

I don't have any properties in Peckham sha so I can't be your guy. However I do have one in nearby Lewisham and another in Camberwell.

justwise:
My posts here is not in support of those who abuse the system, nobody here come down on fraudsters more than i do, my frustration with Gemma11 view is the generalisation, her hardcore nationalistic view, student visa holders contribute upfront more into the system than any other type of immigrants.

The UK govt has the means and ways to limit number of students coming in with their families, you can't throw them under the bus after granting them visas at high cost then when they get in you start shouting immigration number bla bla bla

I never generalised anyone. I specifically stated that my points were directed at those mature students packing all of their families here to the UK and then complaining that there was no suitable student accomodation to house those families plus the fact that their children were taken up places in schools etc...again i was only talking about those particular individuals on student visas and not genuine students or those on other visas. You just don't like to hear the truth but guess what.....


...My views have not changed.

babajeje123:
They should please yank this guy off this site.

Truth hurts

iboboyswag:
The NHS sucks and that's the truth if we are going to be speaking truths here.

6 weeks or more wait for an appointment is beyond absurd. I read on here the issues regarding chicken pox and how parents went shopping for alternative medicine, all because some persons thought it best that the better approach was to allow the body fight it while the child suffer.

There are a lot that is wrong with this country and that's a fact. The most I see is the passport and the opportunities it affords one.

Yes there is a lot wrong with the UK which is why I don't understand why you are here. Go an look for where is right for you because at the moment you sound totally ungrateful and entitled.

It is people like you that will book a GP appointment for a basic cold or cough they can easily go and get that sorted with medication from boots and then complain that they had to wait 6 weeks. How long did it take you to see a free Doc in Nigeria?

kode12:
So you complaining of a housing crisis in the UK is sitting on multiple rental properties while average families are looking to get on the housing ladder. You do realize that your faux patriotism is only just virtue signaling.

None of the people complaining about housing shortage can afford to rent my properties besides I already have reliable tenants with long term tenancies.
I have also offered a lot of advice in this thread and that should be a testament to what I am about so sit. My opinion of those particular students choosing to fleece the system doesn't change. If you are not one of those students then again have a seat and stfu.

phyl123:
When you add on the NIC then it’s close to 60%. More or less effective rate of tax ( income tax and national insurance contributions)

It is actually around 25% to 33% on average.

Frezhkid10:
Hello everyone..I have a question to ask
I just got a job in nestle uk and they offer to pay me £47,000 annually plus tax..
Please considering the standard of living in Uk..can this salary offer make me a middle class earner in uk??..
Am asking because I have another offer here in Nigeria that want to pay me the almost the equivalent of that amount..
I want to use your opinion to make my decision..

Stay in Nigeria

Chinlov:
Gemma's Parents certainly are true Nigerians just as we all are. they saw an opportunity and took it and abused the system (as he said) otherwise they should have only worked for a while and if they get pregnant, go back to Nigeria to give birth to him so that they would be patriotic Nigerians (as he recommends).

#BELIKE GEMMA'SPARENTS

My parents applied for the right visas. They came in and worked in the health and rail industry and bought multiple properties in SE London which now mortgage free and are rented out now on average for £3000pm each. Inspired by my parents I also have acquired my own few freehold properties which I rent out.
They didn't pretend to come in as students to abuse the system...Yeah be like my parents and get the right visa

iboboyswag:
Again Honourable Gateman of the British Empire.

We like the hard UK life.

It is clear that you are triggered. Triggered at the prospects of these migrants taking odd jobs, building their lives slowly then taking your high perched jobs. The same job from which you derive your sense of achievement and accomplishment.

You see the depth of experience the migrants bring into the country and like it has and would always be (as it happened for your folks), their breakthroughs are only a question of time.

These thoughts trigger you, they threaten your confidence. But don't worry too much, I'd pray you find peace.

Always remember, the sky is large enough for all birds to soar. May the good Lord hill you.

Unlike you I am not after a job..lol..I don pass the level of 'job'. I have long established myself as a landlady with multiple with mortgage free properties and as a successful invester in the UK to the point where I can sit back and enjoy my passive income.

My daily activities include advising new immigrants on how to naviagate the system, UK way of life and other philantrophic/charity work.

As I said I am simply here to offer advice to genuine Nigerian immigrants on life in the UK and will continue to call out the those who continue to abuse the system. like it or lump it.

justwise:
Nigerians against snobs like you

I am not a snob sha...but carry on.
You just don't like to hear the truth.